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ONB 
Old National Bancorp (ONB)
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Upturn Advisory Summary
11/05/2025: ONB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $25.75
1 Year Target Price $25.75
| 5 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.20B USD | Price to earnings Ratio 12.13 | 1Y Target Price 25.75 |
Price to earnings Ratio 12.13 | 1Y Target Price 25.75 | ||
Volume (30-day avg) 11 | Beta 0.84 | 52 Weeks Range 16.62 - 24.03 | Updated Date 11/7/2025 |
52 Weeks Range 16.62 - 24.03 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 1.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When Before Market | Estimate 0.56 | Actual 0.59 |
Profitability
Profit Margin 28.73% | Operating Margin (TTM) 40.65% |
Management Effectiveness
Return on Assets (TTM) 0.97% | Return on Equity (TTM) 8.27% |
Valuation
Trailing PE 12.13 | Forward PE 8.36 | Enterprise Value 13845368832 | Price to Sales(TTM) 3.89 |
Enterprise Value 13845368832 | Price to Sales(TTM) 3.89 | ||
Enterprise Value to Revenue 7.34 | Enterprise Value to EBITDA - | Shares Outstanding 390773000 | Shares Floating 387482691 |
Shares Outstanding 390773000 | Shares Floating 387482691 | ||
Percent Insiders 0.65 | Percent Institutions 94.84 |
Upturn AI SWOT
Old National Bancorp
Company Overview
History and Background
Old National Bancorp (ONB) was founded in 1834 in Evansville, Indiana. It has grown through organic expansion and acquisitions, evolving from a single bank to a regional financial holding company with a focus on community banking and wealth management. Key milestones include numerous acquisitions throughout the Midwest.
Core Business Areas
- Commercial Banking: Provides lending, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Jim Ryan (CEO) and Brendon Falconer (CFO). The organizational structure consists of a board of directors overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to ascertain as it varies regionally but it competes with large national banks and regional players such as Fifth Third (FITB) and US Bancorp (USB).
- Mortgages: Residential mortgages for home purchases and refinances. Market share data is difficult to ascertain as it varies regionally but it competes with large national banks and regional players such as Huntington Bancshares (HBAN) and KeyCorp (KEY).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is difficult to ascertain as it varies regionally but it competes with large national banks and regional players such as Fifth Third (FITB) and US Bancorp (USB).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory uncertainty. Consolidation is a key trend.
Positioning
Old National Bancorp positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. Its competitive advantage lies in its local market knowledge and personalized approach.
Total Addressable Market (TAM)
The TAM for regional banking in the Midwest is estimated to be in the hundreds of billions of dollars. Old National Bancorp is positioned to capture a portion of this market through its branch network, digital capabilities, and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Midwest
- Experienced management team
- Diversified revenue streams
- Strong community relationships
- Solid Capital Position
Weaknesses
- Limited geographic diversification
- Reliance on interest income
- Vulnerability to economic downturns in the Midwest
- Higher Overhead Cost due to community banking strategy
Opportunities
- Further expansion through acquisitions
- Increased investment in digital banking
- Growth in wealth management business
- Rising interest rates
- Growing demand for wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic recession
- Cybersecurity risks
- Interest Rate volatility
Competitors and Market Share
Key Competitors
- USB
- FITB
- HBAN
- KEY
Competitive Landscape
Old National Bancorp faces intense competition from larger national banks and regional players. Its advantages include its community focus and local market knowledge, while its disadvantages include its limited geographic diversification.
Major Acquisitions
First Midwest Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded ONB's footprint in the Midwest and increased its scale and market share.
Growth Trajectory and Initiatives
Historical Growth: Old National Bancorp has experienced moderate growth over the past several years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by increasing loan demand and wealth management fees.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets through acquisitions.
Summary
Old National Bancorp is a regional bank with a strong presence in the Midwest that has faced economic headwinds. Its strength lies in its community focus and diversified revenue streams. It needs to be vigilant about competition from larger banks and fintech companies and manage cybersecurity risks. Future growth depends on successful acquisitions and investments in digital banking.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Analyst Estimates
- FDIC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available estimates. Financial data is subject to change and may not be fully up-to-date.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old National Bancorp
Exchange NASDAQ | Headquaters Evansville, IN, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. James C. Ryan III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5243 | Website https://www.oldnational.com |
Full time employees 5243 | Website https://www.oldnational.com | ||
Old National Bancorp operates as the bank holding company for Old National Bank that provides consumer and commercial banking services in the United States. It accepts deposit accounts, such as noninterest-bearing demand, interest-bearing checking and negotiable order of withdrawal, savings and money market, and time deposits. The company also offers loans, including home equity lines of credit, residential real estate loans, and consumer loans, as well as loans to commercial clients comprising commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. In addition, it provides debit and automated teller machine cards, telephone access and online banking, and other electronic and mobile banking services. Further, the company offers private banking, wealth management, trust, investment advisory, brokerage, and foreign currency services; treasury management, merchant, and capital markets services for businesses; and community development lending and equity investment solutions. Old National Bancorp was founded in 1834 and is headquartered in Evansville, Indiana.
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